Mercury Mariner Insurance Rates
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UPDATED: Jun 3, 2023
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Average auto insurance rates for a Mercury Mariner are $864 annually with full coverage. Comprehensive insurance costs approximately $148 each year, collision costs $182, and liability is estimated at $398. A policy with just liability insurance costs approximately $444 a year, with coverage for high-risk drivers costing $1,850 or more. Teen drivers receive the highest rates at $3,454 a year or more.
Average premium for full coverage: $864
Rate estimates by individual coverage type:
Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Mariner models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from as cheap as $444 for basic liability insurance to a high rate of $1,850 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have fewer collision claims than larger metro areas.
The graphic below illustrates how where you live affects auto insurance prices.
These examples demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below details estimated Mercury Mariner insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $527
- Choosing higher $1,000 deductibles can save $76 annually
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $864
- Choosing low deductibles for comp and collision coverage costs an additional $140 annually
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,850 or more
- The cost with full coverage for a 16-year-old driver can cost $3,454 each year
Insurance rates for a Mercury Mariner can also vary considerably based on the trim level of your Mariner, your driving record, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,400 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,500 additional per year, depending on your age. Insurance for high-risk drivers ranges from 43% to 129% more than average. View High Risk Driver Rates
Choosing high deductibles can save as much as $220 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Mercury Mariner insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,170 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $780 | -$84 | -9.7% |
| Alaska | $664 | -$200 | -23.1% |
| Arizona | $714 | -$150 | -17.4% |
| Arkansas | $864 | -$0 | 0.0% |
| California | $982 | $118 | 13.7% |
| Colorado | $824 | -$40 | -4.6% |
| Connecticut | $886 | $22 | 2.5% |
| Delaware | $976 | $112 | 13.0% |
| Florida | $1,076 | $212 | 24.5% |
| Georgia | $798 | -$66 | -7.6% |
| Hawaii | $620 | -$244 | -28.2% |
| Idaho | $584 | -$280 | -32.4% |
| Illinois | $642 | -$222 | -25.7% |
| Indiana | $650 | -$214 | -24.8% |
| Iowa | $582 | -$282 | -32.6% |
| Kansas | $818 | -$46 | -5.3% |
| Kentucky | $1,178 | $314 | 36.3% |
| Louisiana | $1,278 | $414 | 47.9% |
| Maine | $534 | -$330 | -38.2% |
| Maryland | $712 | -$152 | -17.6% |
| Massachusetts | $686 | -$178 | -20.6% |
| Michigan | $1,498 | $634 | 73.4% |
| Minnesota | $724 | -$140 | -16.2% |
| Mississippi | $1,036 | $172 | 19.9% |
| Missouri | $766 | -$98 | -11.3% |
| Montana | $926 | $62 | 7.2% |
| Nebraska | $678 | -$186 | -21.5% |
| Nevada | $1,036 | $172 | 19.9% |
| New Hampshire | $622 | -$242 | -28.0% |
| New Jersey | $966 | $102 | 11.8% |
| New Mexico | $762 | -$102 | -11.8% |
| New York | $908 | $44 | 5.1% |
| North Carolina | $498 | -$366 | -42.4% |
| North Dakota | $708 | -$156 | -18.1% |
| Ohio | $594 | -$270 | -31.3% |
| Oklahoma | $884 | $20 | 2.3% |
| Oregon | $792 | -$72 | -8.3% |
| Pennsylvania | $822 | -$42 | -4.9% |
| Rhode Island | $1,152 | $288 | 33.3% |
| South Carolina | $782 | -$82 | -9.5% |
| South Dakota | $728 | -$136 | -15.7% |
| Tennessee | $754 | -$110 | -12.7% |
| Texas | $1,040 | $176 | 20.4% |
| Utah | $638 | -$226 | -26.2% |
| Vermont | $590 | -$274 | -31.7% |
| Virginia | $514 | -$350 | -40.5% |
| Washington | $666 | -$198 | -22.9% |
| West Virginia | $792 | -$72 | -8.3% |
| Wisconsin | $596 | -$268 | -31.0% |
| Wyoming | $768 | -$96 | -11.1% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different rate calculation, and rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Mercury Mariner 2WD | $826 | $69 |
| Mercury Mariner Premier 2WD | $842 | $70 |
| Mercury Mariner AWD | $842 | $70 |
| Mercury Mariner Hybrid 2WD | $976 | $81 |
| Mercury Mariner Premier AWD | $858 | $72 |
| Mercury Mariner Hybrid AWD | $994 | $83 |
Rates assume 2009 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2010 Mercury Mariner | $152 | $202 | $402 | $892 |
| 2009 Mercury Mariner | $148 | $182 | $398 | $864 |
| 2008 Mercury Mariner | $146 | $178 | $390 | $850 |
| 2006 Mercury Mariner | $132 | $160 | $380 | $808 |
| 2005 Mercury Mariner | $126 | $152 | $376 | $790 |
Rates are averaged for all Mercury Mariner models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Mercury Mariner Insurance
Saving money on insurance for a Mercury Mariner takes being a safe and courteous driver, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a review of the information touched on in the above illustrations.
- You may be able to save around $100 per year simply by quoting online in advance
- Teenage drivers are the costliest to insure, with premiums as much as $288 per month if they have full coverage
- Increasing deductibles could save up to $225 each year
- Drivers considered higher risk who have several accidents or serious violations may pay on average $990 more per year for auto insurance
- Insureds who purchase higher levels of liability will pay about $440 every year to raise limits from a minimum limit to higher 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $3,454 |
| 20 | $1,962 |
| 30 | $878 |
| 40 | $864 |
| 50 | $794 |
| 60 | $778 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,004 |
| $250 | $940 |
| $500 | $864 |
| $1,000 | $788 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $864 |
| 50/100 | $1,088 |
| 100/300 | $1,205 |
| 250/500 | $1,509 |
| 100 CSL | $1,134 |
| 300 CSL | $1,392 |
| 500 CSL | $1,579 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $4,864 |
| 20 | $3,126 |
| 30 | $1,866 |
| 40 | $1,850 |
| 50 | $1,766 |
| 60 | $1,750 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $44 |
| Multi-vehicle | $46 |
| Homeowner | $15 |
| 5-yr Accident Free | $52 |
| 5-yr Claim Free | $54 |
| Paid in Full/EFT | $31 |
| Advance Quote | $37 |
| Online Quote | $58 |
| Total Discounts | $337 |
Discounts are estimated and may not be available from every company or in every state.
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